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Please : Can you solve the question with the formula, not with the excel? 20.000 TL loan is being repaid by installments of 400 TL

Please : Can you solve the question with the formula, not with the excel?

20.000 TL loan is being repaid by installments of 400 TL at the end of each month for as long as necessary, plus a final smaller payment. If interest is at J12 = 12%, find the outstanding balance at the end of 3 years.

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